David Schmitz, et al. v. State Farm Fire and Casualty Company, et al.

District Court, D. Arizona·Decided July 24, 2026·No. 2:26-cv-04035·Unknown

Opinion

WO

David Schmitz, et al., No. CV-26-04035-PHX-DWL

Plaintiffs, ORDER

v.

State Farm Fire and Casualty Company, et al., Defendants. Pending before the Court is Plaintiffs’ motion to remand. (Doc. 12.) For the following reasons, the motion is granted. On May 5, 2026, Plaintiffs filed a complaint in Maricopa County Superior Court. (Doc. 1-3 at 4-9.) The complaint alleges as follows. In November 2025, “Plaintiffs suffered damage to their residence and personal property covered under the contract of insurance when they sustained a catastrophic failure within their plumbing system that resulted in a sudden and accidental loss, causing damage to their property.” (Id. at 6.) Defendant “misrepresented the facts of the loss, assigned an incorrect date of loss for the loss sustained, failed to conduct an adequate or timely investigation into the loss and denied Plaintiff’s [sic] claim for loss thereby denying Plaintiffs their rights pursuant to the policy, all without a reasonable basis.” (Id.) The complaint asserts claims for (1) breach of contract and (2) breach of the covenant of good faith and fair dealing – bad faith. (Id. at 5- 8.) The complaint seeks an unspecified amount of compensatory damages, “general and special damages,” punitive damages, costs, and attorneys’ fees and certifies the case as a “Tier 2” case for purposes of the state-court tiering system. (Id. at 8-9.) On June 5, 2026, Defendant removed the action. (Doc. 1.) The relevant portion of the removal notice provides: “Plaintiff[s] assert[] claims for insurance bad faith and breach of contract and prays for an award of punitive damages. Plaintiffs’ Complaint certifies that this is a Tier 2 case (Tier 2 damages pursuant to the Arizona Rules of Civil Procedure are $50,000 to $300,000). Based on information available, the claim is greater than the amount in controversy requirement because Plaintiff[s’] claims sound in breach of contract damages totaling over $22,000 and [Plaintiffs have] also made claims for bad faith, punitive damages and attorney’s fees. The court is permitted to include all three claims in evaluating whether or not the amount in controversy has been satisfied. Valid bad faith claims frequently result in damage awards which would exceed the $75,000 threshold. When the breach of contract claim, the bad faith claim and the demand for attorney’s fees are aggregated, the amount in controversy meets the jurisdictional requirements.” (Id. ¶ 7.) On June 12, 2026, Plaintiffs filed a motion to remand (Doc. 12), which is now fully briefed (Docs. 13, 15). Neither side requested oral argument. I. Legal Standard “A defendant generally may remove any action filed in state court if a federal district court would have had original jurisdiction.” Gonzales v. CarMax Auto Superstores, LLC, 840 F.3d 644, 648 (9th Cir. 2016) (citing 28 U.S.C. § 1441(a)). A federal district court has “original jurisdiction of all civil actions where the matter in controversy exceeds the sum or value of $75,000, exclusive of interest and costs” and the parties are diverse. 28 U.S.C. § 1332(a). The amount in controversy is the “amount at stake in the underlying litigation,” which comprises “any result of the litigation, excluding interests and costs, that entails a payment by the defendant,” including “inter alia, damages (compensatory, punitive, or otherwise) . . . as well as attorneys’ fees1 awarded under fee shifting statutes.” Gonzales, 840 F.3d at 648-49 (cleaned up). “The amount in controversy is simply an estimate of the total amount in dispute, not a prospective assessment of defendant’s liability.” Arias v. Residence Inn by Marriott, 936 F.3d 920, 927 (9th Cir. 2019). “In that sense, the amount in controversy reflects the maximum recovery the plaintiff could reasonably recover.” Id.2 “In determining the amount in controversy, courts first look to the complaint.” Ibarra v. Manheim Investments, Inc., 775 F.3d 1193, 1197 (9th Cir. 2015). “Generally, the sum claimed by the plaintiff controls if the claim is apparently made in good faith.” Id. (quotation omitted). If “damages are unstated in a complaint, or, in the defendant’s view are understated,” the defendant may allege the amount in controversy in the notice of removal, and “the defendant seeking removal bears the burden to show by a preponderance of the evidence that the aggregate amount in controversy exceeds [the statutory minimum amount] when federal jurisdiction is challenged.” Id.3 Nevertheless, “[d]efendants do not need to prove to a legal certainty that the amount in controversy requirement has been met.” Dart, 574 U.S. at 88-89. “[W]hen a defendant’s assertion of the amount in controversy is challenged,” “both sides submit proof and the court decides, by a preponderance of the evidence, whether the amount-in-controversy requirement has been satisfied.” Id. at 88; see also 28 U.S.C. § 1446(c)(2)(B) (“[R]emoval of the action is proper . . . if the district court finds, by the preponderance of the evidence, that the amount in controversy exceeds [the jurisdictional amount].”). “Under this burden, 1 “When the applicable substantive law makes the award of an attorney’s fee discretionary, a claim that this discretion should be exercised in favor of plaintiff makes the requested fee part of the amount in controversy.” Galt G/S v. JSS Scandinavia, 142 F.3d 1150, 1155 (9th Cir. 1998). “But when there is no direct legal authority for an attorney’s fee, a request for a fee cannot be included in the computation or the jurisdictional amount.” Id. 2 The “value” of a case is likely not the same as the “amount at stake” in the case, as “[m]ore likely, the value of a case—unlike the amount in controversy—reflects both the amount at stake and the plaintiff’s likelihood of prevailing.” Arias, 936 F.3d at 929 n.6. 3 In contrast, a removing “defendant’s amount-in-controversy allegation should be accepted when not contested by the plaintiff or questioned by the court.” Dart Cherokee Basin Operating Co., LLC v. Owens, 574 U.S. 81, 87 (2014). the defendant must provide evidence establishing that it is ‘more likely than not’ that the amount in controversy exceeds that amount.” Sanchez v. Monumental Life Ins. Co., 102 F.3d 398, 404 (9th Cir. 1996). “The parties may submit evidence outside the complaint, including affidavits or declarations, or other ‘summary-judgment-type evidence relevant to the amount in controversy at the time of removal.’” Ibarra, 775 F.3d at 1197 (quoting Singer v. State Farm Mut. Auto. Ins. Co., 116 F.3d 373, 377 (9th Cir. 1997)). “[E]vidence may be direct or circumstantial.” Id. at 1199. “In either event, a damages assessment may require a chain of reasoning that includes assumptions.” Id. “When that is so, those assumptions cannot be pulled from thin air but need some reasonable ground underlying them.” Id. “[A] defendant cannot establish removal jurisdiction by mere speculation and conjecture, with unreasonable assumptions.” Id. at 1197. “An assumption may be reasonable if it is founded on the allegations of the complaint.” Arias, 936 F.3d at 925. A defendant need not “provide evidence proving the assumptions correct,” as this would require a defendant to prove its own liability. Id. at 927. “[A]ssumptions made part of the def

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David Schmitz, et al. v. State Farm Fire and Casualty Company, et al., (D. Ariz. 2026).

David Schmitz, et al. v. State Farm Fire and Casualty Company, et al. (David Schmitz, et al. v. State Farm Fire and Casualty Company, et al.) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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